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Updated 2025 Tax Year

Adams County
Property Tax Guide

Everything you need to know about property taxes in Adams County, PA. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Base county rate 5.1393 mills, total rates vary by municipality and school district
Exemptions
5+ Available
Section 1

How Property Tax Works

Adams County, Pennsylvania operates on a property tax system that serves as the primary funding mechanism for essential local services including schools, county operations, municipal services, and emergency services. Property taxes in Adams County are calculated using a millage rate system, where one mill equals $1 of tax for every $1,000 of assessed property value. The county uses a Common Level Ratio (CLR) of 72.44% to ensure fair assessments across all properties.

Property tax rates in Adams County vary significantly by location due to overlapping taxing jurisdictions including the county, school districts, municipalities, and special districts. For the 2025 tax year, the base county real estate millage rate is 5.1393 mills, but total effective rates typically range from approximately 15 to 25 mills when combined with school district and municipal taxes. Property owners should note that their specific tax rate depends on their exact location within the county, as different municipalities and school districts impose varying rates on top of the base county assessment.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Real Estate5.1393Base county operations, services, and infrastructure
County Per Capita$5.00Fixed annual fee per resident (effective 7/1/2025)
School DistrictVariesRanges by district; contact local school district for current rates
MunicipalVariesCity, borough, or township taxes; varies by municipality
Special DistrictsVariesFire districts, library districts, other special assessments

Rates shown are for Levy Year 2025. The county rate of 5.1393 mills applies countywide, but total effective rates vary significantly based on your specific school district and municipality. School district rates typically represent the largest portion of your total property tax bill. Contact your local tax collector or visit the Adams County Assessment Office for complete rate information specific to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Adams County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Adams County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction completion, major renovations that increase property value, change of ownership that results in reassessment, or correction of assessment errors. When a supplemental assessment is issued, it covers the period from when the change occurred through the end of the current tax year.

The supplemental tax is calculated by applying the current millage rate to the difference between the old and new assessed values, then prorating for the remaining months in the tax year. For example, if a $100,000 home addition is completed in July and your total millage rate is 20 mills, the supplemental tax would be approximately $1,000 (for the full year impact) prorated for 6 months, resulting in a $500 supplemental bill. Supplemental tax bills are typically issued within 30-60 days after the assessment change is processed and have their own due dates separate from regular property tax bills.

Example Calculation

Example 1: $300,000 Property

  • Market Value: $300,000
  • Assessed Value (72.44% CLR): $217,320
  • Homestead Credit Applied: -$3,000 (estimated, requires application)
  • Net Taxable Value: $214,320
  • Total Tax Rate: 18.5 mills (estimated combined rate)
  • Annual Tax: $3,965
  • Monthly Escrow: $330

Example 2: $600,000 Property

  • Market Value: $600,000
  • Assessed Value (72.44% CLR): $434,640
  • Homestead Credit Applied: -$3,000 (estimated, requires application)
  • Net Taxable Value: $431,640
  • Total Tax Rate: 19.2 mills (estimated combined rate)
  • Annual Tax: $8,287
  • Monthly Escrow: $691

Example 3: $1,000,000 Property

  • Market Value: $1,000,000
  • Assessed Value (72.44% CLR): $724,400
  • Homestead Credit Applied: -$3,000 (estimated, requires application)
  • Net Taxable Value: $721,400
  • Total Tax Rate: 20.1 mills (estimated combined rate)
  • Annual Tax: $14,500
  • Monthly Escrow: $1,208

Note: Tax credits shown require annual application and approval. Actual rates vary by specific location within Adams County. Contact your local tax collector for precise rates applicable to your property.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Adams County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your monthly mortgage payment includes principal, interest, and an escrow portion that covers property taxes and homeowners insurance. The lender collects these funds monthly and pays your property tax bills directly to the appropriate tax collectors when due.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, usually resulting in adjustments to your monthly payment. Since Adams County property tax bills are generally due in November with final payment deadlines by December 31st, lenders typically pay these bills in late November or early December. Property owners should verify that their lender has current contact information for all applicable tax collectors (county, school district, and municipal) and monitor that payments are made on time to avoid penalties. If you pay your own property taxes without escrow, you're responsible for making payments to multiple tax collectors depending on your location within the county.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Adams County property taxes due for the current tax year? A: Property taxes in Adams County are typically due in November, with final payment deadlines usually by December 31st. Specific due dates may vary by municipality and school district, so check with your local tax collectors for exact dates.

Q: What tax credits are available and how do I apply? A: The primary credit available is the Homestead and Farmstead Exclusion under Act 1 of 2006. This credit reduces your assessed value for school district taxes only and must be applied for annually with the Adams County Assessor's Office by March 1st. Senior citizens may qualify for additional relief programs that require separate applications.

Q: How does the Homestead credit work? A: The Homestead credit doesn't reduce your market value but provides an exclusion amount that's subtracted from your assessed value before school district taxes are calculated. It also may cap annual assessment increases. You must file an application with the Adams County Assessor's Office by March 1st - it is not automatic.

Q: How often are properties reassessed in Adams County? A: Adams County follows Pennsylvania's assessment schedule as determined by the county. Properties may be reassessed when sold, significantly improved, or during countywide reassessment periods. Contact the Adams County Assessment Office for current reassessment information and appeal procedures.

Q: What are the penalties for late property tax payments? A: Late payment penalties vary by taxing jurisdiction within Adams County. Contact your specific tax collectors (county, school district, and municipality) for their penalty structures, as each may have different rates and procedures for delinquent accounts.

Q: Can I pay my property taxes online? A: Online payment options vary by jurisdiction within Adams County. Check with your county tax collector, school district, and municipal tax collector for available electronic payment methods, as each may have different systems and accepted payment methods.

Q: Why do I receive multiple property tax bills? A: Adams County properties may receive separate bills from the county, school district, and municipality, as these are often different taxing authorities with separate tax collectors. Some areas may have consolidated billing, while others require separate payments to each entity.

Q: How do special district taxes work? A: Special districts such as fire districts or library districts may impose additional taxes on properties within their boundaries. These appear as separate line items on your tax bill or as separate bills entirely. The rates and billing procedures vary by district, and not all properties are subject to special district taxes depending on their location within Adams County.

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